Travis Penny is a licensed Mortgage Loan Originator with Vision Mortgage, LLC, NMLS ID #1649161. Travis holds active state mortgage licenses in Maine and Florida. For residential mortgage loans intended for owner occupied properties, we originate in Maine and Florida only. For DSCR investor loans, which are business purpose loans secured by non owner occupied 1 to 4 unit residential investment property, we currently originate in 38 states. Most states do not require a separate state mortgage license for business purpose loans. Some states require the loan to be closed in the name of a limited liability company or corporation. State availability and program eligibility are subject to change without notice. Confirm your specific scenario with us before applying.
Residential Mortgage Licensing (Owner Occupied)
| State | Regulator | Verify Licenses |
|---|---|---|
| Maine | Maine Bureau of Consumer Credit Protection | View on NMLS |
| Florida | Florida Office of Financial Regulation | View on NMLS |
Vision Mortgage, LLC (NMLS #1286953) and Travis Penny (NMLS #1649161) are licensed in Maine and Florida. Current state company and MLO license numbers are listed on the official NMLS Consumer Access record above.
DSCR Investor Loan State Availability (Business Purpose)
| State | LLC or Corp Vesting Required |
|---|---|
| Alabama | No |
| Alaska | Yes |
| Arkansas | No |
| Colorado | No |
| Connecticut | No |
| Delaware | No |
| District of Columbia | No |
| Florida | Yes |
| Georgia | Yes |
| Hawaii | No |
| Illinois | [CONFIRM_WITH_COMPLIANCE] |
| Indiana | No |
| Iowa | [CONFIRM_WITH_COMPLIANCE] |
| Kansas | Yes |
| Kentucky | No |
| Louisiana | No |
| Maine | No |
| Maryland | No |
| Massachusetts | No |
| Mississippi | No |
| Missouri | No |
| Montana | [CONFIRM_WITH_COMPLIANCE] |
| Nebraska | [CONFIRM_WITH_COMPLIANCE] |
| New Hampshire | No |
| New Mexico | No |
| New York | [CONFIRM_WITH_COMPLIANCE] |
| North Carolina | No |
| Ohio | No |
| Oklahoma | No |
| Pennsylvania | No |
| Rhode Island | No |
| South Carolina | No |
| Tennessee | No |
| Texas | No |
| Virginia | No |
| Washington | No |
| West Virginia | No |
| Wisconsin | No |
| Wyoming | No |
State availability is current as of the last reviewed date below. State and federal law governing business purpose lending changes from time to time. We confirm eligibility for every individual scenario before accepting a file. Last reviewed: [INSERT_DATE].
Need a state not listed?
For private money or commercial real estate financing nationwide, our sister brand Capital Goat handles those scenarios. Visit thecapitalgoat.com or call (207) 615 7770.